PENGARUH SIKAP DAN NORMA SUBJEKTIF TERHADAP NIAT PENGGUNAAN SISTEM CASHLESS PAYMENT DENGAN SELF-EFFICACY SEBAGAI VARIABEL MEDIASI (Studi Pada Santri Pondok Pesantren Darussalam Mekar Agung Madiun)

Miftahul Rifa’i (Universitas Widya Gama Malang)
Muryati (Universitas Widya Gama Malang)
Tatik Mulyati (Universitas Merdeka Madiun)
Hanif Rani Iswari (Universitas Widya Gama Malang)
Survival (Universitas Widya Gama Malang)

MANAJEMEN DEWANTARA
Vol 10 No 3 (2026): MANAJEMEN DEWANTARA

This study examines the effects of attitudes and subjective norms on students’ intention to use cashless payments, with self-efficacy as a mediator, at Darussalam Mekar Agung Islamic Boarding School, Madiun. Using a quantitative explanatory design, 254 students were selected from 694 students through proportionate stratified random sampling. Data were collected using five-point Likert questionnaires and analyzed using SEM-PLS with SmartPLS. Results show that attitudes and subjective norms positively and significantly influence self-efficacy, which significantly influences intention to use. Subjective norms also significantly influence intention directly, whereas attitudes do not. Self-efficacy fully mediates the effect of attitudes and partially mediates the effect of subjective norms on intention. The model explains 75.1% of the variance in intention and 68.8% in self-efficacy. These findings highlight self-efficacy as an important psychological mechanism linking attitudes and subjective norms to cashless payment intentions in Islamic boarding schools.